Physical Cards Reimagined—More Than a Payment Tool
The payment card was supposed to disappear. As digital wallets, embedded payments, and mobile-first experiences reshaped commerce, the physi...
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The PaymentsJournal Podcast
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20 of 340 episodesDelegation with Limits: What Merchants Want from Agentic Commerce
There is a growing disparity between hype and reality when it comes to agentic commerce. This is not so much a critique of AI agents’ capabi...
From Data to Action: How Automated Intelligence Is Changing Collections
Most businesses have no shortage of customer data. They know who their customers are, how they pay, when they tend to pay and, in many cases...
Why Fraudsters Look Trustworthy and Good Customers Look Suspicious
Criminals are increasingly aware of the signals banks use to identify “good customers”—and they are using that knowledge to evade detection....
10 Years Running, Same Day ACH Continues to Break New Ground
When Same Day ACH launched a decade ago, the primary use case was for exceptions—such as in emergency payroll transactions, time-sensitive b...
Nacha’s Upcoming Rules Refresh Is All About Improving Clarity
ACH may be one of the payments industry’s most established networks, but it’s far from standing still. With new Rules taking effect this Sep...
Why Haven’t More Financial Institutions Adopted Instant Payments?
Instant payments have quickly shifted from an emerging capability to a competitive expectation. Yet many financial institutions still strugg...
How BNPL Is Helping Credit Unions Strengthen Member Relationships
Every payment tells a story about a member’s financial life. The challenge for credit unions is that more of those stories are now being tol...
Despite Rapid Change, ACH Still Anchors the Payments Industry
Even as agentic commerce, open banking, and stablecoins have captured much of the payments industry’s attention, one of the ecosystem’s most...
Embedded Finance: Banks’ New Growth Channel
In the past, a community bank in Connecticut could attract customers through physical branches and marketing efforts, but expanding beyond i...
How Leading Brands Are Building Better Digital Gift Card Experiences
The gap between good and great gift card programs is widening. While most brands offer some form of gift card, the leaders are distinguishin...
When AI Changes Fraud, Trust Becomes Everything
Trust has always been the foundation of the credit union movement. Today, that trust is facing one of its greatest tests. Artificial intelli...
The Use Cases Propelling the FedNow® Service’s Growth—and Shaping Its Future
Customers no longer measure service in days or even hours—they measure it in seconds. Whether they’re paying employees, closing on a home, m...
The Rise of Programmatic Payments and the New Compliance Challenge
A payment used to begin with a person making a decision: swiping a card, approving a transfer, or authorizing a purchase. Increasingly, that...
When Payment Choice Becomes the Expectation
No one likes waiting for a check to arrive in the mail. Today’s consumers are accustomed to instant, digital experiences, and those expectat...
Why Crypto Will Be the New Standard for Global Payouts
Many companies expect gig workers to deliver fast, reliable work—but the way they’re paid often tells a very different story. Behind the sce...
What Happens When a Credit Union Outgrows Its Accounting System
As financial institutions merge and evolve, the pressure on back-office operations grows just as quickly as it does on member-facing service...
The Missing Piece in Banks’ Identity Protection Strategy
Every bank wants to earn its customers’ trust. Today, protecting customers’ identities is just as important to earning that trust as safegua...
The Case for Not Building Your Own Remittance Stack
Entrepreneurs bring tremendous enthusiasm and energy to building their businesses, but they’re often less excited about the everyday—yet ess...
When Faster Isn’t Better: The New Rules of Business Payments
Business customers today have more ways to move money than at any point in recent memory. The arrival of near-instant payment networks like...